Approved IAR CE Courses

Financial services professionals often face challenges when seniors show cognitive difficulties but remain legally competent, or when family members question a senior’s decisions. This course helps professionals recognize obstacles to ethical decision-making, such as rationalizations, critical thinking errors, and mental traps, and emphasizes emotional intelligence. It also provides tools for assessing ethical decisions, including the Six Pillars of Character and an eight-step decision-making model.

This course explores the sustainability of retirement portfolio withdrawals using historical data and a diversified, multi-asset portfolio model. Led by Craig L. Israelsen, Ph.D., the presentation analyzes the maximum sustainable annual withdrawal rate over 31 rolling 25-year periods from 1970 to 2024, illustrating how portfolios can remain viable even after decades of distributions. The course challenges the conventional 4% withdrawal rule, providing evidence that higher withdrawal rates'up to 10% or more in some periods'may be sustainable when portfolios are properly diversified and costs are managed. Participants will gain insights into the importance of asset allocation, the role of sequence-of-returns risk, and the benefits of using a percentage-based withdrawal strategy. This research-driven analysis provides investment advisers and financial planners with practical, data-backed guidance for helping clients navigate retirement income planning with greater confidence.

This month we review May blog articles. This quiz includes the following articles: Investing For Nonimmigrant Visa Holders: Understanding Visa Types, Investment Challenges, And Tax Implications and Pass-Through Entity Taxes: Mechanics, Considerations, And Planning Opportunities For Navigating SALT Cap Workarounds

Social capital, the relationships people have with formal and informal networks, plays a significant role in how people navigate their lives from day to day. Often overlooked, within these social constructs exist invisible systems that set a precedent for how people behave, feel, and interact with one another. These systems, if not explored, can be the very things that are preventing your clients from achieving their financial goals. In this presentation, Dr. Michael Thomas will unpack systems and social capital theories to help you address your clients' systems to encourage sustainable behavioral change.

How to take advantage of three game-changing trends shaping our economy and rewriting the rules of wealth building – deglobalization, artificial intelligence, and fiscal dominance.

Financial advisors developing portfolio strategies are consistently facing a shifting interest rate environment and mixed economic growth across different markets. The Midyear Market Outlook Symposium is built to help financial advisors review client portfolios, manage risk, and spot new opportunities as conditions change.

Instead of looking backward, this session focuses on practical portfolio construction across equities, fixed income, and fast-moving sectors.

What we will cover:
Finding growth opportunities in international markets like Japan and implementing innovative U.S. equity strategies.
Managing fixed income actively, identifying mispriced opportunities in municipal bonds, and using autocallable strategies for yield.
Looking past the initial hype of the Artificial Intelligence trade, updating global infrastructure allocations, and evaluating new energy sector investments.

Mindset Mastery is designed specifically for an exceptional and exclusive group of successful women in wealth to rejuvenate themselves, their team, and their clients through intentional connection with other wise, supportive, experienced, and inspiring women. This program is designed to define their vision, coordinate their team, integrate technology, elevate their brand, and rejuvenate all aspects of their advisory practice. It will also keep them on the path of systematizing & growing their advisory practice in a meaningful and manageable way, while maximizing the value of their life's work.

This webinar explores tax-deferred strategies for owners of appreciated real estate, with a focus on Sections 1031 and 721. Participants will review common scenarios that may lead clients to consider these strategies, including concentrated real estate holdings, large capital gains, succession challenges, and a desire to move from active property management to a more passive investment structure. The program covers the basics of 1031 exchanges, Delaware Statutory Trusts, 721 contributions, and strategies that combine 1031 exchanges with 721 contributions. Through case studies and examples, the webinar also looks at diversification, tax-efficient distributions, and legacy planning considerations.

The course will cover the following topics: The impact of financial exploitation, Trends and tactics, MN Safe Seniors Act, How the Commerce Department can help, Resources

This course equips Investment Adviser Representatives to recognize financial
exploitation, understand emerging tactics and warning signs, apply the
Minnesota Safe Seniors Financial Protection Act, engage appropriately with the
Minnesota Department of Commerce, and connect clients with relevant
reporting and support resources.